FDNY

I believe the amount may be $49 of tax, not taxable income where they may just let it go. Years ago (maybe 30+) I was audited and it turned out that IRS owed me $35. Auditor said since amount is under $50 they don't pay and would be same vice versa.

As a CFP I only give advice to point people in the right direction, much as joanmcq does. I also agree that it feels like a conflict of interest if I would try to sell a product to put in someone's retirement plan so they could reduce their taxes. My clients know I am a CFP and if they need me to review an insurance policy, retirement plan, or an estate plan or lack of one, I will charge accordingly if it becomes time intensive. I was doing taxes before any financial planning and worked on getting the CFP designation because I wanted a better knowledge of the field to answer all the questions that were being presented because as you know, our clients trust us. But selling....that's just not me, and be careful if that's what you decide to do.

All the best to you FTM. Although it is not a goodbye you will be missed by many on the other board with your humor, wit, and insights into the problems that seem to still persist. You've made your mark there, not by the quantity of posts, but by the quality of your heart. Bill

I was wondering what happened to you. First BillH, now you, who's next? Thanks to Trevor, he posted your post from here. We'll stay in touch, hang in there brother. Bill